Savings for everyday.

Right now it’s 2.1% p.a. variable.

You earn interest every day and we pay it into your Savings account each month. The rate can change and generally moves with the Official Cash Rate. When it changes, we’ll let you know.

Saving on purpose.

Simple flow. Full control. Keep your savings safe unless you really need them.

• Open in seconds
  Add a Savings account in the Emerge app. Look for Savings on your Accounts screen.
• Move money in
  Instant transfer from your everyday account. You start earning the day your money lands.
• Earn automatically
  Interest builds daily on your balance and lands monthly as a single credit.
• Access when you need it
  To spend it, just move money back to your everyday account. Savings has no card by design, so it stays out of your day-to-day spend.

Safe, local, looked after.

Your money matters. We treat it that way. Your funds are safeguarded in a trust account with a licensed bank.


Eligible deposits are covered by New Zealand’s Depositor Compensation Scheme (DCS) up to the scheme limit. The app is built with bank-grade security and real-time monitoring.

Higher rates for serious saving - coming soon.

Coming soon to an Emerge near you, we’re working on a high-interest account for people who want their money to work even harder. Same simple experience, higher potential return.